Responsibility for water damage in unit

Well if insurance doesn't cover this, then sounds like your responsibility. The HOA most likely may not pay for it if not covered by insurance. They depend on your insurance to handle such things. Sounds like you now have an underground swimming pool.

In our community, the HOA covers pipes from the point they leave the unit, but the owner would still be responsible for inside damage. You should check you documents and may also need to ask if there had been problems before, were they fixed, and how long ago it occurred. Perhaps no one knew there was a problem or the pipe is worn out - and decided to break with you living in the unit.

My agent told me water damage and sewer backups usually aren't covered by regular homeowner's insurance policies and so you need to add a rider for that, which is what I did a year ago (I live in a townhouse). For this incident you and the association may need to split the repair costs and after that, the board should ask the master policy about adding coverage to those pipes. Whatever happen s talk to your agent about adding coverage to your policy.